See Your Confidential Rental Historical past, Insurance coverage, Retail, & Employment Knowledge — My Cash Weblog
Up to date for 2021. Right here is the second a part of my huge listing of free shopper studies from over 50 totally different reporting companies. The primary half included your credit score, banking, and subprime lending-related info. This half consists of your housing, insurance coverage, and employment historical past. You may request a free copy each 12 months of what these databases have saved about you and are telling potential landlords, insurers, or employers.
Once more, it’s possible you’ll not have to test all of those, and plenty of could not also have a file on you anyway. However for instance if you’re a renter then you definitely’d wish to make certain your rental historical past is clear and proper, or if had been making use of for all times insurance coverage you may test your medical studies.
Primarily based on my state of affairs, I’ve checked the next studies out of those listed beneath – CLUE Auto, CLUE Property, MIB.com, Milliman IntelliScript.
Rental Historical past
Realpage (LeasingDesk) Shopper Report. Supplies tenant screening by means of their LeasingDesk product, together with “the business’s largest rental fee historical past database.”
CoreLogic SafeRent. SafeRent supplies each tenant and employment screening knowledge, together with info concerning landlord tenant and felony public courtroom information. One free report each 12 months.
Experian RentBureau Rental Historical past Report. “Each 24 hours, Experian RentBureau receives up to date rental fee historical past knowledge from property homeowners/managers, digital lease fee companies and assortment firms and makes that info obtainable instantly to the multifamily business by means of our resident screening companions.”
First Benefit Resident Historical past Report. Tenant and employment background checks. One free report each 12 months.
Up to date Data Corp. CIC supplies background checks on potential tenants and/or workers and contractors for landlords and administration firms. Hold information of any rental evictions.
Tenant Knowledge. Supplies tenant historical past studies, together with any reported damages, unpaid balances, evictions, lease violations, noise complaints, or unauthorized pets.
Screening Reviews, Inc. A nationwide supplier of background screening service to the multi-family housing business.
TransUnion Rental Screening Options. SmartMove supplies tenant credit score, eviction, and background checks.
- MySmartMove.com FAQ web page
- SmartMove will disclose the contents of a felony and/or credit score report retained by SmartMove to a person who requests a replica of their report. To confirm your id and procure a replica of your report(s) or dispute any info inside that report, please contact customer support at 866-775-0961.
Auto and Property Insurance coverage
C.L.U.E. Private Property Report. A division of LexisNexis, CLUE stands for Complete Loss Underwriting Trade, which collects info that’s used to calculate your insurance coverage premiums. This report supplies a seven yr historical past of losses related to a person and his/her private property. Consists of date of loss, loss kind, and quantity paid together with common info corresponding to coverage quantity, declare quantity and insurance coverage firm title. This additionally means you will discover out about earlier claims on the home you’re presently renting or just lately purchased, even when they weren’t made by you.
C.L.U.E. Auto Report. This report supplies a seven yr historical past of car insurance coverage losses related to a person. Consists of date of loss, loss kind, and quantity paid together with common info corresponding to coverage quantity, declare quantity and insurance coverage firm title.
A-PLUS Loss Historical past Reviews, subsidiary of Verisk. ISO stands for Insurance coverage Companies Workplace, A-PLUS stands for Automated Property Loss Underwriting System. Auto and property loss declare historical past.
Drivers Historical past. Owned by TransUnion. Collects driving violations.
Insurance coverage Data Trade (IIX), subsidiary of Verisk. Present studies together with your motorized vehicle information and driver historical past, together with any visitors violations or associated felony historical past. Might require proof of opposed motion to acquire free report.
Utilities
Nationwide Shopper Telecom and Utilities Trade. NCTUE tracks when folks don’t pay their cellphone, cable, or utility payments. One free report each 12 months.
Retail
The Retail Equation. Tracks product return and alternate abuse at retail retailers.
Gaming
VIP Most popular. Tracks shopper knowledge concerning check-cashing at casinos.
Medical Historical past
MIB (beforehand often called Medical Data Bureau). Run by 470 insurance coverage firms with a “major mission of detecting and deterring fraud which will happen in the midst of acquiring life, well being, incapacity revenue, important sickness, and long-term care insurance coverage.” They file info of “underwriting significance” like medical situations or hazardous actions. If in case you have not utilized for individually underwritten life, well being, or incapacity revenue insurance coverage throughout the previous seven yr interval, then you definitely most likely don’t have a file.
Milliman IntelliScript. Tracks your prescription drug buy historical past. “Milliman IntelliScript could have prescription details about you provided that you licensed the discharge of your medical information to an insurance coverage firm and that firm requested that we collect a report on you.”
Employment Historical past
The next firms all supply background screening companies for employers. Most won’t have any details about you until you licensed a possible employer to run a background test on you (most likely throughout the software course of). Some won’t present you info until there was opposed motion. In any other case, you will get one free copy each 12 months.
The Work Quantity (division of Equifax). In addition they hold historic revenue information.
Correct Background, Inc.
- AccurateBackground.com “You might contact our Consumer Companies crew at 800.216.8024, or ship an e mail to customer_service@correct.com. Please embody your full title and the search reference ID, if obtainable.”
- 800-216-8024
American Databank, LLC.
Backgroundchecks.com.
Checkr
EmpInfo
- EmpInfo.com report request web page (scroll right down to FCRA part).
- Usually received’t have a report on everybody, just for folks particularly requested by an employer.
- 800-274-9694
First Benefit Background Test. Tenant and employment background checks. One free report each 12 months.
HireRight, just lately merged with Normal Data Companies (GIS)
Data Cubic.
IntelliCorp
OPENonline
Pre-employ
Skilled Screening & Data, Inc.
Sterling (acquired EmployeeScreenIQ)
PeopleFacts
Truework
Reminder: Additionally see Half 1: Huge Record of Free Shopper Reviews with Your Credit score, Banking, and Payday Lending Knowledge.
Sources: ConsumerFinance.gov, FTC.gov, Wikipedia
